2002 PROPERTY AND CASUALTY MARKET CONDUCT EXAMINATION TRAVELERS INDEMNITY COMPANY OF ILLINOIS (TRAVELERS) THE FLORIDA DEPARTMENT OF INSURANCE

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "2002 PROPERTY AND CASUALTY MARKET CONDUCT EXAMINATION TRAVELERS INDEMNITY COMPANY OF ILLINOIS (TRAVELERS) THE FLORIDA DEPARTMENT OF INSURANCE"

Transcription

1 2002 PROPERTY AND CASUALTY MARKET CONDUCT EXAMINATION OF TRAVELERS INDEMNITY COMPANY OF ILLINOIS (TRAVELERS) BY THE FLORIDA DEPARTMENT OF INSURANCE DATE FILED: 01/03/03

2 TABLE OF CONTENTS EXECUTIVE SUMMARY... 1 CERTIFICATE OF AUTHORITY AUTHORIZED LINES... 3 COMPANY OPERATIONS/MANAGEMENT... 4 REVIEW OF POLICIES... 7 PRIVATE PASSENGER AUTOMOBILE... 7 COMMERCIAL AUTOMOBILE... 9 WORKERS COMPENSATION CANCELLATIONS/NONRENEWALS REVIEW COMPLAINTS/INVESTIGATION REVIEW CLAIMS REVIEW AGENTS/MGA REVIEW/ADVERTISING/MARKETING PENDING ISSUES EXHIBITS... 19

3 EXECUTIVE SUMMARY Travelers Indemnity Company of Illinois (Company) is a foreign property and casualty insurer licensed to conduct business in the State of Florida during the scope of this property and casualty market conduct examination. The scope of this examination was January 1, 1999 through May 31, The examination began February 17, 2002 and ended May 24, The last property and casualty market conduct examination of this insurer by the Florida Department of Insurance was concluded in The purpose of this examination was to complete a previously postponed, routinely scheduled examination and to verify that business practices of the Company are in compliance with Florida Statutes and Rules. A total of four hundred fifty (450) files were examined. Two hundred twelve (212) errors were identified. The following represents general findings; however, specific details are found in each section of the report. Ten (10) complaint files were examined. No errors were identified. One hundred (100) private passenger automobile policies were examined. Fifty-seven (57) errors were identified. The errors were due to failure to apply vehicle type factors, failure to apply anti-theft device credits, use of incorrect use class factors, use of incorrect symbols, failure to apply anti-lock brake discounts, failure to obtain/maintain signed UM selection forms, and failure to advise insureds of how to obtain a copy of their credit report. One hundred (100) commercial automobile policies were examined. Forty (40) errors were identified. The errors were due to the use of incorrect age/cost factors, use of incorrect rating grids, use of incorrect experience modification factors, applied package modification factors to monoline policies, failure to maintain records, failure to provide timely notice of renewal premiums, use of unfiled rates, failure to document/substantiate credits or debits, and failure to apply credits/debits within the 25% range. One hundred (100) workers compensation policies were examined. Seventy-seven (77) errors were identified. The errors were due to the use of incorrect increased limit factors, incorrect tax multiplier factors, incorrect experience modification factors, failure to apply experience modification factors, failure to audit and return premiums timely, use of incorrect Expected Loss Premium Factors (ELPF), incorrect premium discounts, failure to anniversary rate, failure to provide timely notice of renewal premiums, and failure to maintain records. Fifty (50) cancellations and nonrenewals were examined. Six (6) errors were identified. The errors were due to failure to provide proof of mailing, failure to provide timely notice of nonrenewals, failure to provide specific reasons for nonrenewal, and failure to maintain records. Fifty (50) claim files were examined. Four (4) errors were identified. The errors were due to the failure to properly compute sales tax, and failure to disclose information. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 1

4 Forty (40) files were examined for the agents/mga/advertising review. Twenty-eight (28) errors were identified. The errors were due to use of unappointed agents, and failure to properly countersign policies, failure to obtain application form Acord 130-FL, and failure to display agent s name/license number or Company name on the application. The Company has rerated workers compensation policies issued after January 1, 2001, due to the use of incorrect increased limit factors. The Company was requested to complete all corrective actions within one hundred twenty (120) days of receipt of this examination report. As a result of the findings of this examination, $21, was returned to Florida consumers due to overcharges of premium and underpayments of claims. Additional refunds totaling $1, will be made by the Company due to overcharges of premium that the Company had not completed prior to the examiner s departure and/or disagreed with the examiner s findings. Also, approximately $ is to be paid to the Florida Department of Insurance for licensing/appointment fees owed due to the use of unappointed agents. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 2

5 CERTIFICATE OF AUTHORITY AUTHORIZED LINES GENERAL COMMENTS The Certificate of Authority and Renewal Invoices were reviewed for all years within the scope of the examination. EXAM FINDINGS The review included verification of the lines of business the Company was authorized to write during the scope of the examination versus those lines actually being written. It also included verification that notification requirements were met for any lines of business that were discontinued. No errors were found. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 3

6 HISTORY/MANAGEMENT COMPANY OPERATIONS/MANAGEMENT The Travelers Indemnity Company of Illinois was incorporated on July 29, 1971, and commenced business August 4, 1971, under the laws of Illinois. The Company is part of Travelers Property Casualty Corporation, which is an indirect, wholly-owned subsidiary of Citigroup, Inc. The Company received its original Certificate of Authority from the State of Florida on April 2, Since completion of the examination, the property and casualty business of Travelers was spun-off from Citigroup. The Company s home office is located at One Tower Square, Hartford, CT. The Company s website can be accessed at: The Company s corporate officers are listed in Exhibit I. COMPANY PROCESSES/STATISTICAL AFFILIATIONS Computer System The Company is supported by a Data Center and two LAN Centers. The Data Center houses a multitude of large, midrange and small online, batch processing and data access servers. The LAN Centers support the distributed environment. Servers in this environment run Microsoft Windows, UNIX and Novell. The Company utilizes multiple levels of security to ensure the integrity of the network, integrity of the data and the systems, the identification and authentication of the users, access control, nonrepudiation, and accountability. Anti-Fraud Plan The Company has filed a Plan with the Florida Department of Insurance as required by Section , Florida Statutes. The Plan does meet the requirements by establishing a Special Investigation Unit. Disaster Recovery Plan The Company has developed a Disaster Recovery Plan for use with Florida business. The disaster recovery plan is designed to restore critical systems and is tested regularly. The current plans have been updated as recently as March 2001 for host environments and August 2000 for LAN-based environments. The plan is reviewed and updated annually to accommodate major changes with updated pages or sections distributed to team members. Internal Audit Procedures The Company has developed Internal Audit Procedures for use in reviewing Florida business. Underwriting, Operational and Claims internal audits are conducted TRAVELERS INDEMNITY COMPANY OF ILLINOIS 4

7 periodically on Florida exposures by dedicated home office auditing and field office personnel. Follow-up audits are performed as needed and focus solely on performance issues addressed in the full audit review. Additional audits may be conducted after a market conduct exam to review deficiencies and develop solutions. The Corporate Audit and Risk Review Department of the Company s ultimate parent company also conducts audits of Florida exposures. Privacy Plan The Company has developed a Plan to meet the requirements of Emergency Rule 4ER- 01. The Company provides a written Privacy Notice to each new and renewal policyholder. Statistical Affiliations Insurance Services Office (ISO) acts as the Company s official statistical agent for all lines except workers compensation. National Council on Compensation Insurance, Inc. (NCCI) acts as the Company s official statistical agent for workers compensation. Credit Reports The Company was using Credit Reports as an underwriting tool for Personal Lines. However, the Company has ceased writing Personal Lines insurance in Florida. OPERATIONS/MARKETING Marketing The Travelers Indemnity Company of Illinois operates through dozens of offices located throughout Florida and the country. Business is serviced through Florida branch marketing and claims offices as well as regional service centers in Elmira, NY and Richmond, VA for commercial lines. Personal Lines was serviced through another service center located in Glen Falls, NY. The Company no longer writes new private passenger automobile business in Florida. All personal lines business is now written under other companies within the group. The Company uses fliers, brochures and on-line advertising through the internet. Agents/Agencies/MGA/Exchange of Business/Direct Response/Internet/Adjusters and Claims Handling The Company markets products statewide through licensed and appointed independent agents, with some exceptions as noted in the Agents/MGA Review Section of this report. The Company also has some exchange of business arrangements. Claims are handled through claims offices located in Tampa and Orlando, Florida. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 5

8 Lines of Business During the scope of the examination, the Company wrote the following lines of business: private passenger automobile, homeowners, fire and allied lines, farmowners, commercial multi-peril, inland marine, workers compensation, other liability, commercial automobile, fidelity, surety, burglary and theft, and boiler and machinery. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 6

9 PRIVATE PASSENGER AUTOMOBILE Description of Product/Lines of Business REVIEW OF POLICIES The Company has independently filed its private passenger automobile program in the State of Florida. During the scope of this examination, underwriting guidelines that were used were filed with effective dates of January 23, 1999 and April 26, 1999 for new business and March 1, 1999 and April 26, 1999 for renewal business. There are four pricing tiers being used: highly preferred, preferred, standard and non-standard. The Company s underwriting guidelines encompass three factors: driver information, vehicle information and driving record/claim history. In addition, the Company utilizes credit scores in combination with these factors to determine the final pricing tier. Credit scores are classified as superior, excellent, good, fair and less than fair. Premium and Policy Counts Direct Premiums Written and in-force policy counts for the scope of the examination are as follows: * as of 5/31/01 Year DPW Policy Count 1999 $8,557,078 7, $833, * $269, The Company discontinued writing private passenger automobile in All personal lines business is now being written under other companies within the group. Examination Findings One hundred (100) policy files were examined. Fifty-seven (57) errors were found. Errors affecting premium resulted in twenty-nine (29) overcharges totaling $ and twenty-two (22) undercharges totaling $ The errors are broken down as follows: 1. Twenty-three (23) errors were due to failure to follow the filed rate, rating schedule, rating rule or underwriting guideline. This constitutes a violation of Section , Florida Statutes. These errors were due to failure to apply the TRAVELERS INDEMNITY COMPANY OF ILLINOIS 7

10 vehicle type factor. These errors resulted in one overcharge of $3.00 and twentytwo (22) undercharges totaling $ Fourteen (14) errors were due to failure to follow the filed rate, rating schedule, rating rule or underwriting guideline. This constitutes a violation of Section , Florida Statutes. These errors were due to failure to apply credit for factory-installed anti-theft devices. These errors resulted in fourteen (14) overcharges totaling $151.00, which have been refunded by the Company. 3. Nine (9) errors were due to failure to follow the filed rate, rating schedule, rating rule or underwriting guideline. This constitutes a violation of Section , Florida Statutes. These errors were due to the use of an incorrect use class factor. Due to a system problem, policies with use class code 8873 were rated incorrectly. These errors resulted in nine (9) overcharges totaling $534.00, which have been refunded by the Company. 4. Three (3) errors were due to failure to follow the filed rate, rating schedule, rating rule or underwriting guideline. This constitutes a violation of Section , Florida Statutes. These errors were due to the use of incorrect symbols. These errors resulted in three (3) overcharges totaling $127.00, which have been refunded by the Company. 5. Two (2) errors were due to failure to follow the filed rate, rating schedule, rating rule or underwriting guideline. This constitutes a violation of Section , Florida Statutes. These errors were due to failure to apply the anti-lock brake discount. These errors resulted in two (2) overcharges totaling $45.00, which have been refunded by the Company. 6. Four (4) errors were due to failure to obtain/maintain UM selection forms. This constitutes a violation of Section , Florida Statutes. These errors were due to the Company s failure to find the signed form in their records. 7. Two (2) errors were due to failure to provide notice of adverse underwriting decisions due to the use of credit reports and failing to advise insureds of the means of obtaining a copy of their credit report. This constitutes a violation of Rule , Florida Administrative Code. The Company has advised that it has established procedures to send the notice. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 8

11 COMMERCIAL AUTOMOBILE Description of Product/Lines of Business The Company has adopted ISO s commercial automobile program with some independently filed exceptions. In addition, the Company uses an independently filed program called Auto Ultra Pac. Risks are evaluated solely on their characteristics and risk management practices. The program is designed for the following industry segments: manufacturing, construction, institutions, services, transportation, energy and communications. A hazard and control engineering survey is required prior to quoting any prospective insured. Risks are classified as low, moderate or high hazard and each has a control risk grade of very effective controls, effective controls or ineffective controls. Premium and Policy Counts Direct Premiums Written and in-force policy counts for the scope of the examination are as follows: * as of 5/31/01 Examination Findings Year DPW Policy Count 1999 $24,970,802 1, $26,316, * $16,128, One hundred (100) policy files were examined. Forty (40) errors were found. Errors affecting premium resulted in six (6) overcharges totaling $12, and six (6) undercharges totaling $4, The errors are broken down as follows: 1. Twenty-two (22) errors were due to failure to follow the filed rating plan, rating schedule or rating rule. This constitutes a violation of Section , Florida Statutes. These errors were due to the use of incorrect age/cost factors. These errors resulted in twenty-two (22) overcharges, however, the premium effect was below the waiver rule. 2. Three (3) errors were due to failure to follow the filed rating plan, rating schedule or rating rule. This constitutes a violation of Section , Florida Statutes. These errors were due to the use of incorrect hazard/control risk classifications. These errors resulted in two (2) overcharges totaling $2, and one (1) undercharge totaling $1, The Company has refunded the overcharges. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 9

12 3. Three (3) errors were due to failure to follow the filed rating plan, rating schedule or rating rule. This constitutes a violation of Section , Florida Statutes. These errors were due to the use of incorrect experience modification factors. These errors resulted in three (3) undercharges totaling $1, Two (2) errors were due to failure to follow the filed rating plan, rating schedule or rating rule. This constitutes a violation of Section , Florida Statutes. These errors were due to the application of a package modification factor to a monoline policy. These errors resulted in two (2) overcharges totaling $5,430.00, which have been refunded by the Company. 5. Two (2) errors were due to failure to follow the filed rating plan, rating schedule or rating rule. This constitutes a violation of Section , Florida Statutes. These errors were due to the use of incorrect deductible factors. These errors resulted in two (2) undercharges totaling $ Two (2) errors were due to failure to maintain records. This constitutes a violation of Section , Florida Statutes. These errors were due to the lack of an engineering report in the file to support the base premium used. 7. Two (2) errors were due to failure to provide timely notice of renewal premium. This constitutes a violation of Section , Florida Statutes. 8. Two (2) errors were due to the use of unfiled rates. This constitutes a violation of Section , Florida Statutes. 9. One (1) error was due to failure to document/substantiate a debit. This constitutes a violation of Rule , Florida Administrative Code. This error was due to no documentation in the file to support that the insured had not complied with engineering recommendations. This error resulted in one (1) overcharge totaling $1,908.00, which has not been refunded by the Company. 10. One (1) error was due to failure to apply a debit within the 25% range. This constitutes a violation of Rule , Florida Administrative Code. This error resulted in one (1) overcharge totaling $2,340.00, which has been refunded by the Company. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 10

13 WORKERS COMPENSATION Description of Types of Risks The Company follows the National Council on Compensation Insurance, Inc. (NCCI) filed rates and rules with some filed exceptions. The Company writes small, medium, large and national accounts. The majority of the accounts reviewed included: wholesale, retail, contractors, mercantile, construction, clerical and domestic workers. Premium and Policy Counts Direct Premiums Written and in-force policy counts for the scope of the examination are as follows: * as of 5/31/01 Examination Findings Year DPW Policy Count 1999 $14,308, $17,238, * $19,501, One hundred (100) policies and audits were examined. Seventy-seven (77) errors were found. Errors affecting premium resulted in twenty-four (24) overcharges totaling $10, and twenty-one (21) undercharges totaling $135, The errors are broken down as follows: 1. Nineteen (19) errors were due to failure to follow the filed rating plan, rating schedule, or rating rule. This constitutes a violation of Section , Florida Statutes. These errors were due to the use of incorrect increased limit factors. These errors resulted in seventeen (17) overcharges totaling $1, and two (2) undercharges totaling $ The Company rerated workers compensation policies issued after January 1, 2001 correcting the increased limit factors. Exhibit II. Approximately $30, has been returned to approximately 767 Florida consumers. 2. Thirteen (13) errors were due to failure to follow the filed rating plan, rating schedule, or rating rule. This constitutes a violation of Section , Florida Statutes. These errors were due to the use of incorrect tax multiplier factors. These errors resulted in thirteen (13) undercharges totaling $71, Seven (7) errors were due to failure to follow the filed rating plan, rating schedule, or rating rule. This constitutes a violation of Section , Florida Statutes. These errors were due to the use of incorrect experience modification TRAVELERS INDEMNITY COMPANY OF ILLINOIS 11

14 factors. These errors resulted in three (3) overcharges totaling $6, and four (4) undercharges totaling $59, The overcharges have been refunded by the Company. 4. Four (4) errors were due to failure to follow the filed rating plan, rating schedule, or rating rule. This constitutes a violation of Section , Florida Statutes. These errors were due to failure to apply experience modification factors. These errors resulted in four (4) overcharges totaling $2,258.00, which have been refunded by the Company. 5. Fourteen (14) errors were due to failure to follow the filed rating plan, rating schedule, or rating rule. This constitutes a violation of Section , Florida Statutes. These errors were due to failure to audit timely. 6. One (1) error was due to failure to follow the filed rating plan, rating schedule, or rating rule. This constitutes a violation of Section , Florida Statutes. The error was due to the use of an incorrect Expected Loss Premium Factor (ELPF). This error resulted in one (1) undercharge totaling $4, One (1) error was due to failure to follow the filed rating plan, rating schedule, or rating rule. This constitutes a violation of Section , Florida Statutes. This error was due to the use of an incorrect premium discount. This error resulted in one (1) undercharge totaling $ One (1) error was due to failure to follow the filed rating plan, rating schedule, or rating rule. This constitutes a violation of Section , Florida Statutes. This error was due to failure to anniversary rate. 9. Sixteen (16) errors were due to failure to provide timely notice of renewal premium. This constitutes a violation of Section , Florida Statutes. These errors were due to failure to provide the required 45 days notice of renewal premium by agents and field offices located outside of Florida. 10. One (1) error was due to failure to maintain records. This constitutes a violation of Section , Florida Statutes. This error was due to the lack of an application, and other supporting documentation, in the file. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 12

15 CANCELLATIONS/NONRENEWALS REVIEW DESCRIPTION OF CANCELLATION/NONRENEWAL PROCEDURES Cancellation/nonrenewal notices are to be provided to the policyholder in no less than the minimum number of days required by law for the type of cancellation or nonrenewal. In the sample reviewed, notices were sent to the insured and lienholder when applicable, return premiums were calculated as of the effective date of the cancellation and company cancellations were made on a pro-rata basis and insured requests for cancellation at prorata basis minus 10%. CANCELLATION REVIEW Thirty-five (35) cancelled policies were examined. No errors were found. NONRENEWAL REVIEW Fifteen (15) nonrenewed policies were examined. Six (6) errors were found. The errors are broken down as follows: 1. Two (2) errors were due to failure to maintain proof of mailing. This constitutes a violation of Rule , Florida Administrative Code. 2. Two errors (2) were due to failure to maintain records. This constitutes a violation of Section , Florida Statutes. These errors were due to the Company being unable to locate nonrenewal notices. 3. One (1) error was due to failure to provide timely notice of nonrenewal. This constitutes a violation of Section , Florida Statutes. This error was due to failure to provide the 45 days nonrenewal notice. 4. One (1) error was due to failure to provide a specific reason for nonrenewal. This constitutes a violation of Section , Florida Statutes. This error was due to using underwriting reasons as the justification for nonrenewal. This is not specific enough to comply with the referenced statute. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 13

16 COMPLAINTS/INVESTIGATION REVIEW A complete record of all the complaints received by the Company since the date of the last examination has been maintained as is required by Section (1)(j), Florida Statutes. Procedures for handling these complaints have been established by the Company. Consumer complaints received during the scope of examination were reviewed and findings are as follows: COMPLAINTS RECEIVED FROM DOI Consumer Services Ref. No. Alleged Violation Violation Found Comments S Claim denial None Company s position correct S Unsatisfactory claim None Company s position correct settlement S Unsatisfactory claim None Company s position correct settlement S Unsatisfactory claim None Company s position correct settlement S Claim denial None Company s position correct S Unsatisfactory claim None Company s position correct settlement S Improper cancellation None Company s position correct S Claim Denial None Company s position correct Eight (8) complaints received by the Company from DOI were examined. No errors were found. COMPLAINTS COMPANY RECEIVED FROM CONSUMERS Company ID No. Alleged Violation Violation Found Comments 1 Improper Cancellation None Company s position correct 2 Claim Denial None Company s position correct Two (2) complaints received by the Company from consumers were received. No errors were found. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 14

17 CLAIMS REVIEW DESCRIPTION OF CLAIMS REVIEWED NON-PPA/MEDICAL REVIEWS Private passenger automobile and commercial automobile claims reviewed included: bodily injury, property damage, collision, comprehensive, glass, uninsured motorist, medical payments and personal injury protection (PIP). Examination Findings Fifty (50) claims were examined. Thirty (30) were private passenger automobile and twenty (20) claims were commercial automobile claims. Four (4) errors were found. Two (2) errors resulted in underpayments totaling $50.00 and one (1) error resulted in an overpayment totaling $ The errors are broken down as follows: 1. Three (3) errors were due to failure to properly adjust claims. This constitutes a violation of Section , Florida Statutes. These errors were due to failure to properly compute sales tax. These errors resulted in two (2) underpayments totaling $50.00 and one (1) overpayment totaling $ Underpayments have been refunded by the Company. 2. One (1) error was due to failure to disclose information. This constitutes a violation of Section , Florida Statutes. This error was due to a delay in responding to a request for policy information disclosure. DESCRIPTION OF CLAIMS REVIEWED PPA/MEDICAL REVIEWS Personal injury protection and uninsured motorist claims were reviewed. Examination Findings Thirty-five (35) claims were examined. No errors were found. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 15

18 AGENTS/MGA REVIEW/ADVERTISING/MARKETING DESCRIPTION OF MGA ARRANGEMENTS The Company does not have or utilize an MGA. Examination Findings Forty (40) applications/policies written during the scope of examination were examined. Twenty-eight (28) errors were found. Twelve (12) errors resulted in unpaid license fees totaling $ The errors are broken down as follows: 1. Twelve (12) errors were due to the use of unlicensed/unappointed agents. This constitutes a violation of Section , Florida Statutes. These errors were due to the Company using unlicensed/unappointed agents. These errors resulted in unpaid license fees totaling $540.00, which have not been paid by the Company. 2. Ten (10) errors were due to failure to obtain application form Acord 130-FL. This constitutes a violation of Rule , Florida Administrative Code. These errors were due to the Company not obtaining the required application form on all workers compensation business. 3. Five (5) errors were due to failure to properly countersign policies. This constitutes a violation of Section , Florida Statutes. This error was due to policies not being countersigned by a Florida resident agent. 4. One (1) error was due to failure to display the agent s name/license number and company name on the application. This constitutes a violation of Section , Florida Statutes. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 16

19 PENDING ISSUES The following issues were pending at the conclusion of the examination field work: MONETARY ISSUES 1. Commercial Automobile There was one (1) outstanding refund totaling $1, to be returned. 2. Workers Compensation There were seventeen (17) outstanding refunds totaling $1, Overcharge refunds were completed. 3. Agents/MGA Review/Advertising/Marketing a. There were nine (9) outstanding appointments totaling $ in unpaid license fees that were being processed after the examiner s departure. CORRECTIVE ACTIONS 1. Workers Compensation a. The Company should establish procedures to ensure that audits are completed within 90 days of policy expiration. These procedures should be established within 90 days after receipt of the examination report, with written documentation to the Florida Department of Insurance certifying that corrective action has been taken. b. The Company should establish procedures to ensure that notices of renewal premium are provided on all Florida risks. These procedures should be established within 90 days after receipt of the examination report, with written documentation to the Florida Department of Insurance certifying that corrective action has been taken. c. The Company should process outstanding refunds and provide written documentation within 90 days after receipt of the examination report to the Florida Department of Insurance certifying that the refunds have been made. 2. Agents/MGA/Advertising/Marketing a. The Company should establish procedures to ensure that the Company has obtained the required Acord 130-FL application form on all workers compensation business. These procedures should be established within 90 days after receipt of the examination report, with written documentation to TRAVELERS INDEMNITY COMPANY OF ILLINOIS 17

20 the Florida Department of Insurance certifying that corrective action has been taken. b. The Company should establish procedures to ensure that all policies are countersigned by a Florida resident agent. These procedures should be established within 90 days after receipt of the examination report, with written documentation to the Florida Department of Insurance certifying that corrective action has been taken. TRAVELERS INDEMNITY COMPANY OF ILLINOIS 18

21 EXHIBITS SUBJECT CORPORATE OFFICERS WORKERS COMPENSATION RERATE REQUEST (INCREASED LIMIT FACTORS) EXHIBIT NUMBER I II TRAVELERS INDEMNITY COMPANY OF ILLINOIS 19

2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION ILLINOIS NATIONAL INSURANCE COMPANY (AMERICAN INTERNATIONAL GROUP, INC.

2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION ILLINOIS NATIONAL INSURANCE COMPANY (AMERICAN INTERNATIONAL GROUP, INC. 2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF ILLINOIS NATIONAL INSURANCE COMPANY (AMERICAN INTERNATIONAL GROUP, INC.) BY THE FLORIDA DEPARTMENT OF INSURANCE DATE FILED: 4/08/03 TABLE

More information

AMERICAN HORIZON INSURANCE COMPANY (AMERICAN HORIZON HOLDINGS, INC.) THE FLORIDA DEPARTMENT OF INSURANCE FILED DATE: 12/16/02

AMERICAN HORIZON INSURANCE COMPANY (AMERICAN HORIZON HOLDINGS, INC.) THE FLORIDA DEPARTMENT OF INSURANCE FILED DATE: 12/16/02 2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF AMERICAN HORIZON INSURANCE COMPANY (AMERICAN HORIZON HOLDINGS, INC.) BY THE FLORIDA DEPARTMENT OF INSURANCE FILED DATE: 12/16/02 TABLE OF

More information

2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION DIRECT GENERAL INSURANCE COMPANY (DIRECT GENERAL CORPORATION)

2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION DIRECT GENERAL INSURANCE COMPANY (DIRECT GENERAL CORPORATION) 2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF DIRECT GENERAL INSURANCE COMPANY (DIRECT GENERAL CORPORATION) BY THE FLORIDA DEPARTMENT OF INSURANCE FILED DATE: 7/12/02 TABLE OF CONTENTS

More information

2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION ATLANTA CASUALTY INSURANCE COMPANY (ATLANTA CASUALTY INSURANCE COMPANIES)

2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION ATLANTA CASUALTY INSURANCE COMPANY (ATLANTA CASUALTY INSURANCE COMPANIES) 2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF ATLANTA CASUALTY INSURANCE COMPANY (ATLANTA CASUALTY INSURANCE COMPANIES) BY THE FLORIDA OFFICE OF INSURANCE REGULATION DATE FILED: 04/17/03

More information

2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION WORKMEN S AUTO INSURANCE COMPANY THE FLORIDA DEPARTMENT OF INSURANCE DATE FILED: 7/12/02

2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION WORKMEN S AUTO INSURANCE COMPANY THE FLORIDA DEPARTMENT OF INSURANCE DATE FILED: 7/12/02 2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF WORKMEN S AUTO INSURANCE COMPANY BY THE FLORIDA DEPARTMENT OF INSURANCE DATE FILED: 7/12/02 TABLE OF CONTENTS EXECUTIVE SUMMARY... 1 CERTIFICATE

More information

2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION SEMINOLE CASUALTY INSURANCE COMPANY THE FLORIDA DEPARTMENT OF INSURANCE

2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION SEMINOLE CASUALTY INSURANCE COMPANY THE FLORIDA DEPARTMENT OF INSURANCE 2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF SEMINOLE CASUALTY INSURANCE COMPANY BY THE FLORIDA DEPARTMENT OF INSURANCE DATE FILED: 4/23/02 TABLE OF CONTENTS PART NUMBER SUBJECT PAGE

More information

2000 PROPERTY AND CASUALTY MARKET CONDUCT EXAMINATION WAUSAU BUSINESS INSURANCE COMPANY (WAUSAU INSURANCE COMPANIES)

2000 PROPERTY AND CASUALTY MARKET CONDUCT EXAMINATION WAUSAU BUSINESS INSURANCE COMPANY (WAUSAU INSURANCE COMPANIES) 2000 PROPERTY AND CASUALTY MARKET CONDUCT EXAMINATION OF WAUSAU BUSINESS INSURANCE COMPANY (WAUSAU INSURANCE COMPANIES) BY THE FLORIDA DEPARTMENT OF INSURANCE 9/7/01 FILED DATE: TABLE OF CONTENTS PART

More information

2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION

2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION 2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. (AMERICAN INTERNATIONAL GROUP, INC.) BY THE FLORIDA DEPARTMENT OF INSURANCE DATE

More information

FLORIDA DEPARTMENT OF FINANCIAL SERVICES TARGET MARKET CONDUCT EXAMINATION OF UNITED AUTOMOBILE INSURANCE COMPANY AS OF.

FLORIDA DEPARTMENT OF FINANCIAL SERVICES TARGET MARKET CONDUCT EXAMINATION OF UNITED AUTOMOBILE INSURANCE COMPANY AS OF. FLORIDA DEPARTMENT OF FINANCIAL SERVICES OFFICE OF INSURANCE REGULATION BUREAU OF MARKET CONDUCT TARGET MARKET CONDUCT EXAMINATION OF UNITED AUTOMOBILE INSURANCE COMPANY AS OF December 22, 2003 NAIC COMPANY

More information

2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION AUTO-OWNERS INSURANCE COMPANY (AUTO-OWNERS INSURANCE GROUP)

2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION AUTO-OWNERS INSURANCE COMPANY (AUTO-OWNERS INSURANCE GROUP) 2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF AUTO-OWNERS INSURANCE COMPANY (AUTO-OWNERS INSURANCE GROUP) BY THE FLORIDA DEPARTMENT OF INSURANCE DATE FILED: 4/10/02 TABLE OF CONTENTS

More information

2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION USAA CASUALTY INSURANCE COMPANY (USAA GROUP) THE FLORIDA DEPARTMENT OF INSURANCE

2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION USAA CASUALTY INSURANCE COMPANY (USAA GROUP) THE FLORIDA DEPARTMENT OF INSURANCE 2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF USAA CASUALTY INSURANCE COMPANY (USAA GROUP) BY THE FLORIDA DEPARTMENT OF INSURANCE FILED DATE: 7/26/01 TABLE OF CONTENTS PART NUMBER SUBJECT

More information

2000 PROPERTY AND CASUALTY MARKET CONDUCT EXAMINATION AUTO-OWNERS INSURANCE COMPANY (AUTO-OWNERS INSURANCE GROUP) THE FLORIDA DEPARTMENT OF INSURANCE

2000 PROPERTY AND CASUALTY MARKET CONDUCT EXAMINATION AUTO-OWNERS INSURANCE COMPANY (AUTO-OWNERS INSURANCE GROUP) THE FLORIDA DEPARTMENT OF INSURANCE 2000 PROPERTY AND CASUALTY MARKET CONDUCT EXAMINATION OF AUTO-OWNERS INSURANCE COMPANY (AUTO-OWNERS INSURANCE GROUP) BY THE FLORIDA DEPARTMENT OF INSURANCE DATE FILED: 3/28/02 TABLE OF CONTENTS PART NUMBER

More information

2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION ALPHA PROPERTY AND CASUALTY INSURANCE COMPANY (UNITRIN, INC.)

2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION ALPHA PROPERTY AND CASUALTY INSURANCE COMPANY (UNITRIN, INC.) 2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF ALPHA PROPERTY AND CASUALTY INSURANCE COMPANY (UNITRIN, INC.) BY THE FLORIDA DEPARTMENT OF INSURANCE FILED: August 11, 2003 TABLE OF CONTENTS

More information

2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION DAIRYLAND INSURANCE COMPANY (SENTRY INSURANCE GROUP) THE FLORIDA DEPARTMENT OF INSURANCE

2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION DAIRYLAND INSURANCE COMPANY (SENTRY INSURANCE GROUP) THE FLORIDA DEPARTMENT OF INSURANCE 2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF DAIRYLAND INSURANCE COMPANY (SENTRY INSURANCE GROUP) BY THE FLORIDA DEPARTMENT OF INSURANCE FILE DATE: 6/26/02 TABLE OF CONTENTS PART NUMBER

More information

2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION ACE AMERICAN INSURANCE COMPANY (ACE USA) THE FLORIDA DEPARTMENT OF INSURANCE

2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION ACE AMERICAN INSURANCE COMPANY (ACE USA) THE FLORIDA DEPARTMENT OF INSURANCE 2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF ACE AMERICAN INSURANCE COMPANY (ACE USA) BY THE FLORIDA DEPARTMENT OF INSURANCE DATE FILED: 04/08/03 TABLE OF CONTENTS INTRODUCTION... 1

More information

2000 PROPERTY AND CASUALTY MARKET CONDUCT EXAMINATION INDEMNITY INSURANCE COMPANY OF NORTH AMERICA (ACE USA) THE FLORIDA DEPARTMENT OF INSURANCE

2000 PROPERTY AND CASUALTY MARKET CONDUCT EXAMINATION INDEMNITY INSURANCE COMPANY OF NORTH AMERICA (ACE USA) THE FLORIDA DEPARTMENT OF INSURANCE 2000 PROPERTY AND CASUALTY MARKET CONDUCT EXAMINATION OF INDEMNITY INSURANCE COMPANY OF NORTH AMERICA (ACE USA) BY THE FLORIDA DEPARTMENT OF INSURANCE FILED DATE: 6/27/01 TABLE OF CONTENTS PART NUMBER

More information

2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION NATIONWIDE ASSURANCE COMPANY (NATIONWIDE INSURANCE) THE FLORIDA DEPARTMENT OF INSURANCE

2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION NATIONWIDE ASSURANCE COMPANY (NATIONWIDE INSURANCE) THE FLORIDA DEPARTMENT OF INSURANCE 2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF NATIONWIDE ASSURANCE COMPANY (NATIONWIDE INSURANCE) BY THE FLORIDA DEPARTMENT OF INSURANCE FILED DATE: 9/14/01 TABLE OF CONTENTS PART NUMBER

More information

MARKET CONDUCT EXAMINATION REPORT NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY NAIC #37877

MARKET CONDUCT EXAMINATION REPORT NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY NAIC #37877 MARKET CONDUCT EXAMINATION REPORT NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY NAIC #37877 June 30, 2009 Contents SALUTATION... 1 EXECUTIVE SUMMARY... 2 SCOPE OF EXAMINATION... 3 HISTORY AND PROFILE...

More information

2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION INTEGON GENERAL INSURANCE CORPORATION (GMAC INSURANCE HOLDING)

2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION INTEGON GENERAL INSURANCE CORPORATION (GMAC INSURANCE HOLDING) 2002 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF INTEGON GENERAL INSURANCE CORPORATION (GMAC INSURANCE HOLDING) BY THE FLORIDA DEPARTMENT OF INSURANCE DATE FILED: 02/04/03 TABLE OF CONTENTS

More information

FLORIDA DEPARTMENT OF FINANCIAL SERVICES

FLORIDA DEPARTMENT OF FINANCIAL SERVICES FLORIDA DEPARTMENT OF FINANCIAL SERVICES OFFICE OF INSURANCE REGULATION BUREAU OF MARKET CONDUCT TARGET MARKET CONDUCT EXAMINATION REPORT OF U.S. SECURITY INSURANCE COMPANY AS OF SEPTEMBER 3, 2003 NAIC

More information

2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION ATLANTA CASUALTY COMPANY (ATLANTA CASUALTY COMPANIES) THE FLORIDA DEPARTMENT OF INSURANCE

2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION ATLANTA CASUALTY COMPANY (ATLANTA CASUALTY COMPANIES) THE FLORIDA DEPARTMENT OF INSURANCE 2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF ATLANTA CASUALTY COMPANY (ATLANTA CASUALTY COMPANIES) BY THE FLORIDA DEPARTMENT OF INSURANCE Date Filed: 3/28/02 TABLE OF CONTENTS PART NUMBER

More information

Top 10 Market Conduct. Property & Casualty - 2014

Top 10 Market Conduct. Property & Casualty - 2014 Top 10 Market Conduct Property & Casualty - 2014 Agenda A look at the Top 10 Additional compliance concerns Some fine data Trends & best practices Top 10-2014 Failure to acknowledge, pay, investigate or

More information

MARKET CONDUCT EXAMINATION ST. PAUL FIRE AND MARINE INSURANCE COMPANY AND AFFILIATES 385 WASHINGTON STREET ST. PAUL, MINNESOTA 55102

MARKET CONDUCT EXAMINATION ST. PAUL FIRE AND MARINE INSURANCE COMPANY AND AFFILIATES 385 WASHINGTON STREET ST. PAUL, MINNESOTA 55102 MARKET CONDUCT EXAMINATION ST. PAUL FIRE AND MARINE INSURANCE COMPANY AND AFFILIATES 385 WASHINGTON STREET ST. PAUL, MINNESOTA 55102 MARCH 1, 2002 FEBRUARY 28, 2003 TABLE OF CONTENTS Section Page Table

More information

INSURANCE DEPARTMENT ALL COMPANIES LICENSED TO WRITE PROPERTY AND CASUALTY INSURANCE

INSURANCE DEPARTMENT ALL COMPANIES LICENSED TO WRITE PROPERTY AND CASUALTY INSURANCE STATE OF CONNECTICUT INSURANCE DEPARTMENT Bulletin PC-42-09 August 7,2009 TO: RE: ALL COMPANIES LICENSED TO WRITE PROPERTY AND CASUALTY INSURANCE CANCELLATION AND NONRENEWAL OF PERSONAL AND COMMERCIAL

More information

DELAWARE DEPARTMENT OF INSURANCE MARKET CONDUCT EXAMINATION REPORT. Travelers Commercial Insurance Company

DELAWARE DEPARTMENT OF INSURANCE MARKET CONDUCT EXAMINATION REPORT. Travelers Commercial Insurance Company DELAWARE DEPARTMENT OF INSURANCE MARKET CONDUCT EXAMINATION REPORT Travelers Commercial Insurance Company NAIC # 36137 Examination Authority #36137-13.780 One Tower Square, 5 MS Hartford, CT 06183 As of

More information

MARKET CONDUCT EXAMINATION REPORT NATIONWIDE GENERAL INSURANCE COMPANY NAIC #23760

MARKET CONDUCT EXAMINATION REPORT NATIONWIDE GENERAL INSURANCE COMPANY NAIC #23760 MARKET CONDUCT EXAMINATION REPORT NATIONWIDE GENERAL INSURANCE COMPANY NAIC #23760 November 20, 2010 TABLE OF CONTENTS SALUTATION..1 EXECUTIVE SUMMARY...2 SCOPE OF THE EXAMINATION...3 HISTORY AND PROFILE..

More information

DAIRYLAND INSURANCE COMPANY MARKET CONDUCT EXAMINATION OCTOBER 31, 1996- OCTOBER 31, 1997

DAIRYLAND INSURANCE COMPANY MARKET CONDUCT EXAMINATION OCTOBER 31, 1996- OCTOBER 31, 1997 DAIRYLAND INSURANCE COMPANY MARKET CONDUCT EXAMINATION OCTOBER 31, 1996- OCTOBER 31, 1997 Seattle Washington Deborah Senn Insurance Commissioner Olympia, Washington 98504 Pursuant to your instructions

More information

Property and Casualty Review Standards Checklist

Property and Casualty Review Standards Checklist Property and Casualty Review Standards Checklist General Filing Requirements apply to all property and casualty lines of insurance. Once you have reviewed the general filing requirements, please page to

More information

Conditional Renewal Notification Requirements by State Christopher J. Boggs Conditional renewal statutes and administrative rules are called

Conditional Renewal Notification Requirements by State Christopher J. Boggs Conditional renewal statutes and administrative rules are called Conditional Renewal by State Christopher J. Boggs Conditional renewal statutes and administrative rules are called conditional because the majority of these statutes apply only when there is a change in

More information

650 Sentry Parkway, Suite One 1280 Route 46 Blue Bell, Pennsylvania 19422 Parsippany, New Jersey 07054 Phone 610-260-6080 Phone 973-394-1730 Fax

650 Sentry Parkway, Suite One 1280 Route 46 Blue Bell, Pennsylvania 19422 Parsippany, New Jersey 07054 Phone 610-260-6080 Phone 973-394-1730 Fax 650 Sentry Parkway, Suite One 1280 Route 46 Blue Bell, Pennsylvania 19422 Parsippany, New Jersey 07054 Phone 610-260-6080 Phone 973-394-1730 Fax 610-260-6081 Fax 973-394-1734 Email ggarris@insuranceaudits.com

More information

Market Conduct Examination

Market Conduct Examination Market Conduct Examination KEYSTONE INSURANCE COMPANY AND AAA MID-ATLANTIC INSURANCE COMPANY OF NEW JERSEY PHILADELPHIA, PENNSYLVANIA STATE OF NEW JERSEY DEPARTMENT OF BANKING AND INSURANCE Division of

More information

RIVERSOURCE LIFE INSURANCE COMPANY

RIVERSOURCE LIFE INSURANCE COMPANY RIVERSOURCE LIFE INSURANCE COMPANY MARKET CONDUCT EXAMINATION REPORT DATE OF EXAMINATION: August 26, 2013 through November 8, 2013 EXAMINATION OF: LOCATION: RiverSource Life Insurance Company NAIC Number:

More information

BEFORE THE INSURANCE COMMISSIONER OF THE STATE OF CALIFORNIA

BEFORE THE INSURANCE COMMISSIONER OF THE STATE OF CALIFORNIA CALIFORNIA DEPARTMENT OF INSURANCE LEGAL DIVISION Rate Enforcement Bureau Nikki S. McKennedy, Bar No. Fremont Street st Floor San Francisco CA Telephone: -- Facsimile: -0-0 Email: Nikki.McKennedy@insurance.ca.gov

More information

OHIO DEPARTMENT OF INSURANCE

OHIO DEPARTMENT OF INSURANCE OHIO DEPARTMENT OF INSURANCE A MARKET CONDUCT EXAMINATION AND RISK ASSESSMENT OF GRANGE MUTUAL CASUALTY COMPANY NAIC #14060 GRANGE PROPERTY AND CASUALTY INSURANCE COMPANY NAIC #11982 GRANGE INDEMNITY INSURANCE

More information

REPORT OF MARKET CONDUCT EXAMINATION OF OREGON MUTUAL INSURANCE COMPANY AND WESTERN PROTECTORS INSURANCE COMPANY As of December 31, 1996

REPORT OF MARKET CONDUCT EXAMINATION OF OREGON MUTUAL INSURANCE COMPANY AND WESTERN PROTECTORS INSURANCE COMPANY As of December 31, 1996 REPORT OF MARKET CONDUCT EXAMINATION OF OREGON MUTUAL INSURANCE COMPANY AND WESTERN PROTECTORS INSURANCE COMPANY As of December 31, 1996 December 12, 1997 Deborah Senn Insurance Commissioner Olympia, Washington

More information

2015/2016 Filing Smart

2015/2016 Filing Smart Data Call Schedule Call Name Who Files Due Date Purpose s Published From Call Data Closed Claim Retention Groups, and Self-Insured Retentions writing general liability,, Automatically Due: Insurers are

More information

FINAL ORDER EFFECTIVE: 11-18-13

FINAL ORDER EFFECTIVE: 11-18-13 BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of ) ) FARMERS INSURANCE COMPANY, INC. ) Docket No. 4613-MC NAIC #21628 ) SUMMARY ORDER Pursuant to the authority conferred upon

More information

Filing Smart Financial and Data Services Filings Guide

Filing Smart Financial and Data Services Filings Guide The Filing Smart web page is divided into nine sections http://www.tdi.texas.gov/financial/indexsmart.html Filing Smart General Information NAIC Checklists Company Licensing and Registration Holding Company

More information

MARKET CONDUCT EXAMINATION REPORT. PROPERTY and CASUALTY INSURANCE COMPANY of HARTFORD NAIC # 34690

MARKET CONDUCT EXAMINATION REPORT. PROPERTY and CASUALTY INSURANCE COMPANY of HARTFORD NAIC # 34690 MARKET CONDUCT EXAMINATION REPORT ON PROPERTY and CASUALTY INSURANCE COMPANY of HARTFORD NAIC # 34690 One Hartford Plaza Hartford, Connecticut 06155-0001 EXAMINATION NUMBER 09.702 March 31, 2009 TABLE

More information

PROPERTY AND CASUALTY REVIEW STANDARDS CHECKLIST

PROPERTY AND CASUALTY REVIEW STANDARDS CHECKLIST PROPERTY AND CASUALTY REVIEW STANDARDS CHECKLIST General Filing Instructions Homeowners Other Personal Lines Workers Compensation Medical Professional Liability Insurance Service Contracts Private Passenger

More information

CHUBB GROUP OF INSURANCE COMPANIES 15 MOUNTAIN VIEW ROAD WARREN, NEW JERSEY 07059 MARKET CONDUCT EXAMINATION

CHUBB GROUP OF INSURANCE COMPANIES 15 MOUNTAIN VIEW ROAD WARREN, NEW JERSEY 07059 MARKET CONDUCT EXAMINATION CHUBB GROUP OF INSURANCE COMPANIES 15 MOUNTAIN VIEW ROAD WARREN, NEW JERSEY 07059 MARKET CONDUCT EXAMINATION JANUARY 1, 1998 - SEPTEMBER 30, 1998 Seattle Washington Deborah Senn Insurance Commissioner

More information

MARKET CONDUCT EXAMINATION REPORT HARTFORD UNDERWRITERS INSURANCE COMPANY NAIC # 30104. One Hartford Plaza Hartford, Connecticut 06155-0001

MARKET CONDUCT EXAMINATION REPORT HARTFORD UNDERWRITERS INSURANCE COMPANY NAIC # 30104. One Hartford Plaza Hartford, Connecticut 06155-0001 MARKET CONDUCT EXAMINATION REPORT ON HARTFORD UNDERWRITERS INSURANCE COMPANY NAIC # 30104 One Hartford Plaza Hartford, Connecticut 06155-0001 EXAMINATION NUMBER 09.701 March 31, 2009 TABLE OF CONTENTS

More information

BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS

BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of ) ) ) ) ) THE TRAVELERS INDEMNITY CO. ) Docket No. 4240 -MC THE TRAVELERS INDEMNITY CO. OF AMERICA ) ) ) ) ) ORDER Pursuant

More information

Cancellation Laws Webinar

Cancellation Laws Webinar Cancellation Laws Webinar PRESENTED BY: JUDY DURST DIRECTOR OF EDUCATION NEW HAMPSHIRE ASSOC. OF INSURANCE AGENTS Cancellation Laws Webinar Purpose of the webinar Cancellation Laws Webinar Personal Auto

More information

Virginia Workers Compensation Commission Frequently Asked Insurance Questions for Employers

Virginia Workers Compensation Commission Frequently Asked Insurance Questions for Employers Virginia Workers Compensation Commission Frequently Asked Insurance Questions for Employers The information contained below is general in nature and is not intended and may not be considered as providing

More information

Your Exam Content Outline

Your Exam Content Outline Your Exam Content Outline The following outline describes the content of one of the Wisconsin insurance examinations. The outlines are the basis of the examinations. The examination will contain questions

More information

TITLE 18 INSURANCE DELAWARE ADMINISTRATIVE CODE 1. 900 Consumer Rights. 906 Use of Credit Information [Formerly Regulation 87]

TITLE 18 INSURANCE DELAWARE ADMINISTRATIVE CODE 1. 900 Consumer Rights. 906 Use of Credit Information [Formerly Regulation 87] TITLE 18 INSURANCE DELAWARE ADMINISTRATIVE CODE 1 900 Consumer Rights 906 Use of Credit Information [Formerly Regulation 87] 1.0 Authority This regulation is adopted by the Commissioner pursuant to the

More information

Market Conduct Examination

Market Conduct Examination Market Conduct Examination RUTGERS CASUALTY INSURANCE COMPANY AND RUTGERS ENHANCED INSURANCE COMPANY CHERRY HILL, NEW JERSEY STATE OF NEW JERSEY DEPARTMENT OF BANKING AND INSURANCE Office of Consumer Protection

More information

2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION CHRYSLER INSURANCE COMPANY THE FLORIDA DEPARTMENT OF INSURANCE FILED DATE: 11/08/00

2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION CHRYSLER INSURANCE COMPANY THE FLORIDA DEPARTMENT OF INSURANCE FILED DATE: 11/08/00 2000 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF CHRYSLER INSURANCE COMPANY BY THE FLORIDA DEPARTMENT OF INSURANCE FILED DATE: 11/08/00 TABLE OF CONTENTS PART NUMBER SUBJECT PAGE NUMBER

More information

Mississippi Insurance Department Property/Casualty Rate Filing Bulletin MARCH 2004

Mississippi Insurance Department Property/Casualty Rate Filing Bulletin MARCH 2004 Mississippi Insurance Department Property/Casualty Rate Filing Bulletin MARCH 2004 ACIG INSURANCE COMPANY files to adopt current NCCI loss costs and selects loss cost multiplier of 1.208. The overall rate

More information

MARKET CONDUCT EXAMINATION REPORT TITAN INDEMNITY INSURANCE COMPANY NAIC #13242. June 30, 2009

MARKET CONDUCT EXAMINATION REPORT TITAN INDEMNITY INSURANCE COMPANY NAIC #13242. June 30, 2009 MARKET CONDUCT EXAMINATION REPORT TITAN INDEMNITY INSURANCE COMPANY NAIC #13242 June 30, 2009 TABLE OF CONTENTS SALUTATION... 1 EXECUTIVE SUMMARY... 2 SCOPE OF EXAMINATION... 3 HISTORY AND PROFILE...

More information

Market Conduct Examination

Market Conduct Examination Market Conduct Examination Franklin Mutual Insurance Company Fidelity Mohawk Insurance Company FMI Insurance Company STATE OF NEW JERSEY DEPARTMENT OF BANKING AND INSURANCE Office of Consumer Protection

More information

RATE FILING METHODS FOR PROPERTY/CASUALTY INSURANCE, WORKER S COMPENSATION, TITLE 5/06

RATE FILING METHODS FOR PROPERTY/CASUALTY INSURANCE, WORKER S COMPENSATION, TITLE 5/06 Explanation: In a state with prior approval, a filing may be deemed to have been approved after a certain number of days. If such a provision exists, the number of days is noted in parentheses. File and

More information

INSURANCE PROFESSIONALS E&O APPLICATION

INSURANCE PROFESSIONALS E&O APPLICATION 7130 Glen Forest Drive, Suite 210 Richmond, VA 23226 804-289-2700 Insurance Professionals E&O Application PROFESSIONAL LIABILITY Division Email to PL@jamesriverins.com or, Fax to 804-287-2816 APPLICANT

More information

Personal Lines Insurance Agents Professional Liability

Personal Lines Insurance Agents Professional Liability USLI.COM 888-523-5545 Personal Lines Insurance Agents Professional Liability INSURANCE AGENTS AND BROKERS PROFESSIONAL LIABILITY APPLICATION All questions must be answered and application must be signed

More information

Personal Lines Insurance Agents Professional Liability

Personal Lines Insurance Agents Professional Liability Personal Lines Insurance Agents Professional Liability PART I - AGENCY DETAILS P.O. Box 2909 Jacksonville, FL 32203-2909 Phone: 800-342-2498 Fax: 904-355-7611 www.shellyins.com INSURANCE AGENTS AND BROKERS

More information

Mississippi Insurance Department Property/Casualty Rate Filing Bulletin JANUARY 2003

Mississippi Insurance Department Property/Casualty Rate Filing Bulletin JANUARY 2003 Mississippi Insurance Department Property/Casualty Rate Filing Bulletin JANUARY 2003 ACE AMERICAN INSURANCE COMPANY files initial rates, rules and forms for their Excess Auto Rental Liability Program.

More information

State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 233 Richmond Street Providence, RI 02903

State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 233 Richmond Street Providence, RI 02903 State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 233 Richmond Street Providence, RI 02903 INSURANCE REGULATION 16 AUTOMOBILE INSURANCE POLICIES:

More information

Chapter 21 - UNFAIR TRADE PRACTICE COMPLAINT REGISTER

Chapter 21 - UNFAIR TRADE PRACTICE COMPLAINT REGISTER Title 210 - NEBRASKA DEPARTMENT OF INSURANCE Chapter 21 - UNFAIR TRADE PRACTICE COMPLAINT REGISTER 001. Authority. This Regulation is promulgated pursuant to the authority granted by Neb.Rev.Stat. 44-1525

More information

MARKET CONDUCT EXAMINATION OF ROYAL & SUNALLIANCE AND AFFILIATES 9300 ARROWPOINT BOULEVARD CHARLOTTE, NORTH CAROLINA 28201-1000

MARKET CONDUCT EXAMINATION OF ROYAL & SUNALLIANCE AND AFFILIATES 9300 ARROWPOINT BOULEVARD CHARLOTTE, NORTH CAROLINA 28201-1000 MARKET CONDUCT EXAMINATION OF ROYAL & SUNALLIANCE AND AFFILIATES 9300 ARROWPOINT BOULEVARD CHARLOTTE, NORTH CAROLINA 28201-1000 JUNE 1, 1999-MAY 31, 2000 TABLE OF CONTENTS SECTION PAGE Salutation 3 Chief

More information

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up

More information

LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET

LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR SOUTH LYON COMMUNITY SCHOOL NUMBER 143 TEACHERS The benefits for which you are insured are set forth in the pages of this booklet.

More information

APPLICATION PROCEDURES FOR COMPANIES SEEKING TO DO BUSINESS IN FLORIDA 69O-136.002

APPLICATION PROCEDURES FOR COMPANIES SEEKING TO DO BUSINESS IN FLORIDA 69O-136.002 State of Florida - Governor Rick Scott The Office of Fiscal Accountability and Regulatory Reform (OFARR) Results of the Comprehensive Rule Review (Executive Order 11-72) as supplemented by the Enhanced

More information

LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET

LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR WAYNE WESTLAND COMMUNITY SCHOOLS SCHOOL NUMBER 944 TEACHERS The benefits for which you are insured are set forth in the pages of this

More information

Rhode Island. 2014 Property & Casualty, Rate, Rule & Policy Form Filing Requirements and Regulatory Compliance

Rhode Island. 2014 Property & Casualty, Rate, Rule & Policy Form Filing Requirements and Regulatory Compliance Rhode Island 2014 Property & Casualty, Rate, Rule & Policy Form Filing Requirements and Regulatory Compliance Please Note: Changes/updates to this document (additions/revisions) are highlighted in RED.

More information

Personal Lines Insurance Agents Professional Liability

Personal Lines Insurance Agents Professional Liability COMMITTED TO A MAKING DIFFERENCE Personal Lines Insurance Agents Professional Liability INSURANCE AGENTS AND BROKERS PROFESSIONAL LIABILITY APPLICATION All questions must be answered and application must

More information

Property & Casualty Top Regulatory Changes Top 10 Market Conduct Issues

Property & Casualty Top Regulatory Changes Top 10 Market Conduct Issues Property & Casualty Top Regulatory Changes Top 10 Market Conduct Issues 2009 to 2010 - An Overview Credit Scoring Cancellation/Nonrenewal Fraud Claims Other 2 Credit Scoring 2009 Background Was definitely

More information

CONTRACT INSURANCE REQUIREMENTS

CONTRACT INSURANCE REQUIREMENTS CONTRACT INSURANCE REQUIREMENTS Dakota County requires that each Contractor with whom the County negotiates a contract, meet standard insurance requirements. Please review these documents to acquaint yourself

More information

TEXAS AUTO SUPPLEMENT

TEXAS AUTO SUPPLEMENT AGENCY TEXAS AUTO SUPPLEMENT APPLICANT/NAMED INSURED COMPANY: EFFECTIVE DATE CODE: SUB CODE: POLICY #: CONSUMER BILL OF RIGHTS PERSONAL AUTOMOBILE INSURANCE AVISO: Este documento es un resumen de sus derechos

More information

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY RETROSPECTIVE PREMIUM ENDORSEMENT THREE YEAR PLAN MULTIPLE LINES

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY RETROSPECTIVE PREMIUM ENDORSEMENT THREE YEAR PLAN MULTIPLE LINES WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY RETROSPECTIVE PREMIUM ENDORSEMENT THREE YEAR PLAN MULTIPLE LINES This endorsement is issued because you chose to have the cost of the insurance

More information

REPORT OF MARKET CONDUCT EXAMINATION

REPORT OF MARKET CONDUCT EXAMINATION REPORT OF MARKET CONDUCT EXAMINATION GUIDEONE AMERICA INSURANCE COMPANY GUIDEONE ELITE INSURANCE COMPANY GUIDEONE MUTUAL INSURANCE COMPANY GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY 1111 ASHWORTH ROAD

More information

OREGON MUTUAL GROUP BILLING GUIDE

OREGON MUTUAL GROUP BILLING GUIDE The Oregon Mutual Group offers two Direct Bill payment options for customers: The Account Bill option is a revolving bill plan. Policies are direct billed on an account basis. The Full Payment option is

More information

MARYLAND LAWS AND REGULATIONS ON INSURANCE PREMIUM

MARYLAND LAWS AND REGULATIONS ON INSURANCE PREMIUM MARYLAND LAWS AND REGULATIONS ON INSURANCE PREMIUM LAWS: 19 114. Deductibles in medical malpractice policies. (a) Each insurer that issues or delivers a medical professional liability insurance policy

More information

TITLE 114 EMERGENCY RULE INSURANCE COMMISSIONER SERIES 83 DISCOUNT MEDICAL PLAN ORGANIZATIONS AND DISCOUNT PRESCRIPTION DRUG PLAN ORGANIZATIONS

TITLE 114 EMERGENCY RULE INSURANCE COMMISSIONER SERIES 83 DISCOUNT MEDICAL PLAN ORGANIZATIONS AND DISCOUNT PRESCRIPTION DRUG PLAN ORGANIZATIONS 114CSR83 TITLE 114 EMERGENCY RULE INSURANCE COMMISSIONER SERIES 83 DISCOUNT MEDICAL PLAN ORGANIZATIONS AND DISCOUNT PRESCRIPTION DRUG PLAN ORGANIZATIONS Section 114-83-1. General. 114-83-2. Licensing Requirements.

More information

304.20-040 Cancellation, nonrenewal, or termination of automobile insurance -- Definitions -- Scope -- Penalties. (1) As used in this section: (a)

304.20-040 Cancellation, nonrenewal, or termination of automobile insurance -- Definitions -- Scope -- Penalties. (1) As used in this section: (a) 304.20-040 Cancellation, nonrenewal, or termination of automobile insurance -- Definitions -- Scope -- Penalties. (1) As used in this section: (a) "Policy" means an automobile liability insurance policy,

More information

CONSUMER BILL OF RIGHTS Personal Automobile Insurance

CONSUMER BILL OF RIGHTS Personal Automobile Insurance Figure 1: 28 TAC 5.9970(b) CONSUMER BILL OF RIGHTS Personal Automobile Insurance AVISO: Este documento es un resumen de sus derechos como asegurado. Usted tiene el derecho a llamar a su compañía y pedir

More information

January 1, 2009. Choice Auto and Home Insurance Program MMC

January 1, 2009. Choice Auto and Home Insurance Program MMC January 1, 2009 Choice Auto and Home Insurance Program MMC Choice Auto and Home Insurance Program Marsh Voluntary Benefits, an MMC Company formerly known as Marsh @WorkSolutions, offers you the Choice

More information

DIVISION OF INSURANCE

DIVISION OF INSURANCE Alaska Consumer Guide to Auto Insurance State of Alaska Department of Commerce, Community, and Economic Development DIVISION OF INSURANCE About the Alaska Division of Insurance The Alaska Division of Insurance

More information

LIBERTY MUTUAL INSURANCE COMPANY AND AFFILIATES 175 Berkeley Street Boston, MA 02117 MARKET CONDUCT EXAMINATION APRIL 15, 1998- JANUARY 15, 1999

LIBERTY MUTUAL INSURANCE COMPANY AND AFFILIATES 175 Berkeley Street Boston, MA 02117 MARKET CONDUCT EXAMINATION APRIL 15, 1998- JANUARY 15, 1999 LIBERTY MUTUAL INSURANCE COMPANY AND AFFILIATES 175 Berkeley Street Boston, MA 02117 MARKET CONDUCT EXAMINATION APRIL 15, 18- JANUARY 15, 19 Seattle Washington February 1, 2000 Honorable Deborah Senn Office

More information

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE & HEALTH INSURANCE COMPANY EXAMINATION REPORT

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE & HEALTH INSURANCE COMPANY EXAMINATION REPORT JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE & HEALTH INSURANCE COMPANY EXAMINATION REPORT MARKET CONDUCT EXAMINATION REPORT DATE OF EXAMINATION: April 14, 2014 through April 6, 2015

More information

REQUEST FOR PROPOSALS

REQUEST FOR PROPOSALS THE JOB COUNCIL REQUEST FOR PROPOSALS PROFESSIONAL PROPERTY/CASUALTY AND WORKERS COMPENSATION INSURANCE BROKER OF RECORD The purpose of the Request for Proposal is to select the broker best qualified to

More information

S-4504.1 SUBSTITUTE SENATE BILL 6252. State of Washington 61st Legislature 2010 Regular Session

S-4504.1 SUBSTITUTE SENATE BILL 6252. State of Washington 61st Legislature 2010 Regular Session S-4504.1 SUBSTITUTE SENATE BILL 6252 State of Washington 61st Legislature 2010 Regular Session By Senate Labor, Commerce & Consumer Protection (originally sponsored by Senators Kohl-Welles, Kline, and

More information

MANAGED COMPETITION NEW BUSINESS PROCESSING

MANAGED COMPETITION NEW BUSINESS PROCESSING MANAGED COMPETITION NGM Insurance Company utilizes the Automobile Insurers Bureau of Massachusetts (AIB) advisory rule manual effective April 1, 2009 as its base manual. NGM files company specific rates

More information

NAIC Group Code 0008 NAIC Company Code 00086. Combined Statement Contact LYNN CIRRINCIONE, 847-402-3029 (Area Code) (Telephone Number)

NAIC Group Code 0008 NAIC Company Code 00086. Combined Statement Contact LYNN CIRRINCIONE, 847-402-3029 (Area Code) (Telephone Number) PROPERTY AND CASUALTY COMPANIES - ASSOCIATION EDITION COMBINED ANNUAL STATEMENT FOR THE YEAR ENDED DECEMBER, 00 OF THE CONDITION AND AFFAIRS OF THE ALLSTATE INSURANCE GROUP its affiliated property casualty

More information

Market Conduct Examination

Market Conduct Examination Market Conduct Examination Philadelphia Contributionship Insurance Company And Germantown Insurance Company Philadelphia, Pennsylvania STATE OF NEW JERSEY DEPARTMENT OF BANKING AND INSURANCE Division of

More information

Benefits Handbook Date January 1, 2010. Choice Auto and Home Insurance Program MMC

Benefits Handbook Date January 1, 2010. Choice Auto and Home Insurance Program MMC Date January 1, 2010 Choice Auto and Home Insurance Program MMC Choice Auto and Home Insurance Program Marsh Global Consumer, an MMC Company formerly known as Marsh Voluntary Benefits, offers you the Choice

More information

R590. Insurance, Administration. R590-127. Rate Filing Exemptions. R590-127-1. Authority. R590-127-2. Purpose. R590-127-3. Scope.

R590. Insurance, Administration. R590-127. Rate Filing Exemptions. R590-127-1. Authority. R590-127-2. Purpose. R590-127-3. Scope. R590. Insurance, Administration. R590-127. Rate Filing Exemptions. R590-127-1. Authority. This rule is promulgated by the Insurance Commissioner pursuant to the general authority granted under Section

More information

"Insurance Services Office, Inc. Copyright"

Insurance Services Office, Inc. Copyright IL 09 19 10 93 "Insurance Services Office, Inc. Copyright" This form has been promulgated by the Virginia Corporation Commission for use by all licensed insurers in the Commonwealth issuing policies for

More information

MODEL ACT REGARDING USE OF CREDIT INFORMATION IN PERSONAL INSURANCE

MODEL ACT REGARDING USE OF CREDIT INFORMATION IN PERSONAL INSURANCE MODEL ACT REGARDING USE OF CREDIT INFORMATION IN PERSONAL INSURANCE Adopted by the Property-Casualty Insurance and Executive Committees on November 22, 2002. Readopted by the Property-Casualty Insurance

More information

DELAWARE DEPARTMENT OF INSURANCE MARKET CONDUCT EXAMINATION REPORT

DELAWARE DEPARTMENT OF INSURANCE MARKET CONDUCT EXAMINATION REPORT DELAWARE DEPARTMENT OF INSURANCE MARKET CONDUCT EXAMINATION REPORT NAIC # 66281 4333 Edgewood Road NE Cedar Rapids, IA 52499 As of December 31, 2010 Table of Contents EXECUTIVE SUMMARY... 2 SCOPE OF

More information

Mississippi Insurance Department Property/Casualty Rate Filing Bulletin December 2005

Mississippi Insurance Department Property/Casualty Rate Filing Bulletin December 2005 Mississippi Insurance Department Property/Casualty Rate Filing Bulletin December 2005 ACE AMERICAN INSURANCE COMPANY files initial rates, rules and forms for their new Education Legal Liability and Employment

More information

THE COMMONWEALTH OF MASSACHUSETTS. Division of Insurance. Arbella Indemnity Insurance Company, Inc.

THE COMMONWEALTH OF MASSACHUSETTS. Division of Insurance. Arbella Indemnity Insurance Company, Inc. THE COMMONWEALTH OF MASSACHUSETTS OFFICE OF CONSUMER AFFAIRS AND BUSINESS REGULATION Division of Insurance Report on the Comprehensive Market Conduct Examination of Arbella Indemnity Insurance Company,

More information

VIRGINIA LICENSE TYPES AS EFFECTIVE 9/1/02 TITLE 38.2, CHAPTER 18, CODE OF VIRGINIA CONVERSION TABLE

VIRGINIA LICENSE TYPES AS EFFECTIVE 9/1/02 TITLE 38.2, CHAPTER 18, CODE OF VIRGINIA CONVERSION TABLE VIRGINIA LICENSE TYPES AS EFFECTIVE 9/1/02 TITLE 38.2, CHAPTER 18, CODE OF VIRGINIA CONVERSION TABLE CURRENT LICENSE CODE NEW LICENSE EFFECTIVE 9/1/02 CODE Life & Health 001 Life & Annuities Health Those

More information

Auto Insurance Buyers Guide

Auto Insurance Buyers Guide Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop

More information

Insurance Agents and Brokers Professional Liability

Insurance Agents and Brokers Professional Liability Johnson & Johnson, Inc., Managers, CMGA The Experience of the Past with a Vision for the Future Serving Independent Agents and Companies Since 1930 Insurance Agents and Brokers Professional Liability P.O.

More information

APPLICANT S INFORMATION: LEGAL NAME OF AGENCY: BUSINESS ADDRESS:

APPLICANT S INFORMATION: LEGAL NAME OF AGENCY: BUSINESS ADDRESS: APPLICANT S INFORMATION: LEGAL NAME OF AGENCY: BUSINESS ADDRESS: COUNTY: DATE FIRM ESTABLISHED: INSURANCE AGENTS AND BROKERS ERRORS & OMISSIONS APPLICATION DATE PRESENT OWNERSHIP ASSUMED CONTROL: Corporation

More information

Benefits Handbook Date July 1, 2015. Choice Auto and Home Insurance Program Marsh & McLennan Companies

Benefits Handbook Date July 1, 2015. Choice Auto and Home Insurance Program Marsh & McLennan Companies Date July 1, 2015 Choice Auto and Home Insurance Program Marsh & McLennan Companies Choice Auto and Home Insurance Program Mercer Health & Benefits Administration offers you the Choice Auto and Home Insurance

More information

STATE OF MISSOURI DEPARTMENT OF INSURANCE, FINANCIAL INSTITUTIONS AND PROFESSIONAL REGISTRATION

STATE OF MISSOURI DEPARTMENT OF INSURANCE, FINANCIAL INSTITUTIONS AND PROFESSIONAL REGISTRATION STATE OF MISSOURI DEPARTMENT OF INSURANCE, FINANCIAL INSTITUTIONS AND PROFESSIONAL REGISTRATION FINAL MARKET CONDUCT EXAMINATION REPORT Of the Property and Casualty Business of Direct General Insurance

More information

BUSINESS INSURANCE FAQ

BUSINESS INSURANCE FAQ BUSINESS INSURANCE FAQ Q: What is Business Insurance? A: We strive to understand your risk tolerance and financial ability to withstand the spectrum of potential losses and develop insurance programs to

More information

THE COMMONWEALTH OF MASSACHUSETTS. Division of Insurance

THE COMMONWEALTH OF MASSACHUSETTS. Division of Insurance THE COMMONWEALTH OF MASSACHUSETTS OFFICE OF CONSUMER AFFAIRS AND BUSINESS REGULATION Division of Insurance Report on the Comprehensive Market Conduct Examination of Bay State Insurance Company Andover,

More information